***Assumable VA Loan with a 2.25% Interest rate*** Welcome to 12951 Mills Creek Dr., a fully renovated waterfront retreat with 3 bedrooms, 3 full baths, and over 2,600 sqft of living space. Located in the peaceful Drum Point community, this home features an open floor plan, vaulted ceilings, hardwood floors, and abundant natural light throughout. Enjoy relaxing year-round in the 220 sqft screened-in porch, which lives like a second living room and overlooks serene Mills Creek, perfect for kayaking and fishing right from your backyard. The main level offers plush carpeting in bedrooms, a washer and dryer for convenience, and a well-appointed kitchen ideal for entertaining. The finished lower level includes high-quality vinyl flooring, a cozy fireplace, a bedroom, a full bath, and a flexible space perfect for a home office or 4th bedroom. A large indoor workshop and generous storage areas provide added functionality. You'll love the quiet neighborhood, where friendly neighbors enjoy walks throughout the day. As a bonus, residents have access to private community amenities, including a boat ramp, beach, and clubhouse. If you’re looking for style, comfort, and direct water access, this home is the one. Don’t miss your chance to own this stunning slice of waterfront paradise in Lusby, MD! The buyer of this home also has the rare opportunity to purchase the neighboring lot at 12947 Mills Creek Dr., Lusby, MD 20657 (MLS# MDCA2022010) for $60,000. This additional parcel offers extra privacy, space for future expansion, or the potential to build your dream guesthouse, garage, or water-access getaway.